Please consider supporting us by using the banner at the top of this page when you want to apply for a credit card.

Whether you're new to applying for credit cards or you're a seasoned pro, here are a few common questions about applying for credit cards:

How should I prepare to apply for a credit card?

Prior to applying for any rewards credit card, you should have a good credit score. Most banks consider a good credit score anything above 700. If you do not have a credit score above 700, then you will most likely not be approved for many of the top cards. There are things that you can do to improve your score. Prior to applying for any credit cards, you should consider any large purchases, like cars or houses, coming up. We recommend to hold off on applying for new credit cards about 6 months prior to any large purchase.

What info will I need to apply?

When applying for a credit card, the banks ask for several basic pieces of information:

Applications can typically be completed within 10 minutes or so and you will receive an answer within a few seconds of completing the application.

How will applying for a credit card impact my credit score?

Applying for a credit card has a very minor impact on your score. Most people think that applying for and using credit cards is a bad thing for their credit score. This couldn’t be more further from the truth. When used responsibly, credit cards can increase your credit score. Responsible credit card usage covers a couple of things: 1) never spend more than you can pay back and 2) always pay your bills in full and on time. So never live outside of your means and always pay your bills on time and you should see an increase in your credit score.

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If you have any trouble, we are happy to help guide you through the process. Contact us at hello@rewardstock.com

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Disclosures

Base fare can be cash-free when paid for with points. Typically, the only cash cost for flights is the cost of mandatory taxes and fees, as low as $5.60 for a one way ticket. Hotels can be completely cash-free.

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provide you with our comprehensive redemption planning tools and services at no charge. Our offers
do not represent all financial services companies or products, but we strive to provide compelling, verifiable offers.